Call reports 2004
UNITED CUMBERLAND BANK — 2004
What UNITED CUMBERLAND BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,316,000 | 117,800,000 | 119,102,000 | 117,333,000 |
| Total loans | 82,444,000 | 82,227,000 | 82,931,000 | 84,019,000 |
| Allowance for loan losses | 1,239,000 | 1,266,000 | 1,265,000 | 1,328,000 |
| Securities available for sale | 9,425,000 | 12,179,000 | 14,096,000 | 12,252,000 |
| Securities held to maturity | 11,226,000 | 10,955,000 | 10,950,000 | 10,629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,181,000 | 92,468,000 | 91,594,000 | 89,507,000 |
| Interest-bearing deposits | 73,812,000 | 75,266,000 | 74,702,000 | 73,271,000 |
| Noninterest-bearing deposits | 20,369,000 | 17,202,000 | 16,892,000 | 16,236,000 |
| Equity capital | 11,445,000 | 11,700,000 | 12,324,000 | 12,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,352,000 | 5,100,000 | 6,924,000 |
| Interest expense | 461,000 | 913,000 | 1,370,000 | 1,830,000 |
| Net interest income | 1,169,000 | 2,439,000 | 3,730,000 | 5,094,000 |
| Noninterest income | 300,000 | 648,000 | 1,011,000 | 1,341,000 |
| Noninterest expense | 872,000 | 1,725,000 | 2,578,000 | 3,566,000 |
| Provision for loan losses | 50,000 | 95,000 | 115,000 | 245,000 |
| Pretax income | 547,000 | 1,267,000 | 2,048,000 | 2,624,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 547,000 | 1,267,000 | 2,048,000 | 2,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,387,000 | 11,857,000 | 12,338,000 | 12,564,000 |
| Total capital | 12,355,000 | 12,817,000 | 13,301,000 | 13,536,000 |
| Risk-weighted assets | 77,202,000 | 76,502,000 | 76,957,000 | 77,377,000 |